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Kolo Card vs RedotPay Card

RedotPay Card scores higher on the G2M score: 54/100 against 46/100 (#20 and #25 of 26 cards). Pick Kolo Card for cashback and control of your funds; pick RedotPay Card for a lower FX fee and more countries.

Kolo Card46

#25 of 26 · 1% to 2% back · annual fee none

Get KoloRead the review
RedotPay Card54

#20 of 26 · Not published back · annual fee none

Get RedotPayRead the review

The short answer

  • RedotPay Card scores higher on the G2M score: 54/100 against 46/100 (#20 and #25 of 26 cards).
  • Kolo Card pays 1% cashback on its entry tier; RedotPay Card does not publish a rate. Higher tiers go up to 2% on Kolo Card.
  • Neither card has an annual fee.
  • RedotPay Card charges less on foreign currency: a 1.2% FX fee against 1.4%.
  • RedotPay Card is confirmed in more countries: 200 against 3, though neither publishes a full list. Of the markets we check for every card, only RedotPay Card is confirmed in EU / EEA.
  • Kolo Card is self-custodial; RedotPay Card is custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Kolo Card
RedotPay Card
G2M score
46
54 (better)
Base cashback
1%
Not published
Max cashback
2%
Not published
Paid in
BTC, daily
Points
Annual fee
Free
Free
FX fee
1.4%
1.2% (better)
Top-up fee
0%
0%
Per-purchase fee
1%
1% + $0.20 at or under $1, first 5 a month free
ATM
USD card only: $1 + 0.65%, up to $500 a withdrawal and 3 a day, at contactless ATMs. No ATM access on the EUR card.
USD card: 2% up to $10,000 a month, 3% above. HKD card: 2%. Up to 3 a day and 30 a month ($3,750 a day, $50,000 a month on the USD card)
Network
Visa
Visa
Card type
Debit
Prepaid
Custody
Self-custodial
Custodial
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / ?
India
Unclear
No
UAE
Yes
Yes
United States
Unclear
No
United Kingdom
Yes
Yes
EU / EEA
Unclear
Yes
Countries
60
201
Bank account (IBAN or account number)
No
In your name
Send money to a bank account
1 currency
6 currencies
Buy and sell crypto with fiat
Sell only
Buy and sell
Spend against crypto without selling
No
Yes
Yield on your balance
No
Yes
Tiers
Kolo Card
Virtual card · Physical card
Perks
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days
Points rewards

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Kolo Card or RedotPay Card?

RedotPay Card scores higher on the G2M score: 54/100 against 46/100 (#20 and #25 of 26 cards). Pick Kolo Card for cashback and control of your funds; pick RedotPay Card for a lower FX fee and more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Kolo Card or RedotPay Card?

Neither card has an annual fee. RedotPay Card charges less on foreign currency: a 1.2% FX fee against 1.4%.

Which pays more cashback, Kolo Card or RedotPay Card?

Kolo Card pays 1% cashback on its entry tier; RedotPay Card does not publish a rate. Higher tiers go up to 2% on Kolo Card.

Which works in more countries, Kolo Card or RedotPay Card?

RedotPay Card is confirmed in more countries: 200 against 3, though neither publishes a full list. Of the markets we check for every card, only RedotPay Card is confirmed in EU / EEA.

Who holds my funds with Kolo Card and RedotPay Card?

Kolo Card is self-custodial; RedotPay Card is custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.